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The four cornerstones of financial planning

Following the "four cornerstones of financial planning" philosophy, we can help guide you through the process of having a plan in place that covers all four areas.

We understand that protecting your family is your number one priority, and having in place a safety net for life that may change in an instant, is our number one priority.

The four cornerstones of financial planning

A sound financial security plan should protect you against uncontrollable events such as disabilities or death, while helping you plan for controllable events such as buying a new home and retiring comfortably. To do this, our planning process is based on four cornerstones of financial security planning:

Financial security at death

Retirement

Liquidity

Disability, Critical illness, Life insurance

Whether your needs and goals are long-term or more immediate, EJM Financial can help you build a financial strategy tailored to your needs and those of your family.

Financial security at death

When you die, how can you help safeguard your estate for your family?

How much income will your family need?

How will inflation affect this income?

Retirement

Would you like to retire early or reduce the time you spend working?

When you retire, what type of lifestyle do you envision?

How much income will you need to retire comfortably?

How will inflation affect this income?

Liquidity

Do you have access to cash or liquid assets (i.e. assets that can be easily converted to cash)?

Disability and critical illness

How would a critical illness or disability affect your income?

Would a reduced income affect your retirement savings and would this reduction affect your lifestyle?

How much disability or critical illness insurance coverage is enough?

If you become critically ill or disabled and take time off work, how will inflation affect your income?

If you become critically ill or disabled, will provisions in your group plan allow you to continue saving for your retirement?

Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through EJM Financial Ltd. EJM Financial is a trade name used for both mutual fund business and insurance business activities. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada, additional disclosure information will be provided upon referral. Please confirm with your Advisor which company you are dealing with for each of your products and servicesManulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which is 100% owned by the Manulife Financial Corporation a publically traded company. Details regarding all affiliated companies of MLI can be found on the Manulife Securities website www.manulifesecurities.ca